Terms of Use & Service

By accessing or using bfsfin.com, submitting any lead inquiry form, or utilizing our loan consultation services, you agree to be legally bound by these Terms of Use, our Privacy Policy, and our Lender Disclaimer. If you disagree with any part of these terms, you must refrain from using this website.

All online calculators (including Home Loan EMI Calculator, Loan Eligibility Calculator, Prepayment Tool, and Balance Transfer Calculator) provided on bfsfin.com are solely for illustrative and indicative informational purposes.

• Calculators use standard mathematical amortization algorithms and do not constitute a commercial credit offer.
• Actual interest rates, loan tenure, EMI installments, processing fees, and sanction amounts are determined exclusively by the lender based on formal credit appraisal (CIBIL/income verification).

By submitting your mobile number and contact details on any form on bfsfin.com, you explicitly authorize Bhardwaj Financial Services and its authorized partner lending institutions to communicate with you via Phone Call, WhatsApp, SMS, or Email regarding your credit enquiry.

This express consent overrides any registration on the National Do Not Call (NDNC) registry or Telecom Commercial Communications Customer Preference Portal (DND) as governed by TRAI guidelines. You may revoke this authorization at any time by emailing grievance@bfsfin.com.

These Terms of Use and any transaction, dispute, or claim arising out of or in connection with the services provided by Bhardwaj Financial Services shall be governed by and construed in accordance with the laws of the Republic of India.